Hey Joe, it's Tiffany. I just got a loan modification for 481 Stafford. 1% interest only loan for 5 years so it's a really low payment it's only $580 a month for everything for the first mortgage. I still have a second mortgage that's $300 a month. But since I filed bankruptcy in October of 2016 I'll be able to refinance that house in October of 2019 you said, so we need to make sure that I show income on the taxes in 2017 and 2018 so we can do it in 2019.

I wish more folks would plan ahead like Tiffany. You might think that planning today for 2019 seems a little silly but I can tell you, she is being very wise.

This is especially wise for folks that are self-employed and need to plan correctly for tax returns that will be filed in 2017 and 2018. I will review numbers with her each year to make sure the numbers are where they need to be so that a refinance in 2019 will accomplish her goal.

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